CADA Office Hours Are
Monday-Thursday 8:30 am – 5:00 pm
Friday 8:30 am – 1:00 pm

CADA is a private, non-profit organization, a Community Action Agency, whose mission is to assist low income citizens achieve self-sufficiency and a better quality of life. Our purpose is to promote through regional cooperation, the industrial, agricultural, recreational, educational and general economic well being and health and welfare of the citizens of Bertie, Halifax, Hertford and Northampton Counties.


Choanoke Area Development of North Carolina Incorporated.

Post Office Box 530 120 Sessoms Drive

Rich Square, North Carolina 27869

Telephone: 252.539.4155

Fax: 252.539.2048

CADA Seeks Contractors for Housing Programs

Bidders Conference Planned

Contractors Must Attend

Thursday, June 7, 2018

CADA Administrative Office

Rich Square, North Carolina 27869


Choanoke Area Development Association of North Carolina Incorporated., (CADA) has received funding from the US Department of Energy and The North Carolina Housing Finance Agency to weatherize home and rehabilitate the homes of eligible residents in Bertie, Edgecombe, Halifax, Hertford, Martin and Northampton Counties.  CADA seeks local contractors in the following trades to implement weatherization standard measures; Evaluation, Cleaning and Tuning of HVAC Systems, HVAC’s, Electricians, Plumbers, Insulation and Incidental Repairs.

Contractors are also needed for the Urgent Repair, Essential Single Family Rehab and Disaster Recovery Essential Family Rehab Programs.   All contractors must have the capacity, equipment and trained staff to install measures in accordance with program standards and the requirement of the State of North Carolina and must provide evidence of trained staff or be willing to train staff to meet required certifications and agree to a minimum of 40 annual continuing education for staff assigned to work with CADA.  Contractors must provide proof of required insurances and equipment prior to contracting and beginning work. 

 Bid requirements will be discussed.  Bid packages will be available Thursday, June 7, 2018 at this required meeting.  Bid will be due by 12:00 noon on Thursday, June 21, 2018.

 Click on Links below for Bid Packages. 

Contact Marion Williams at 252.539.4155 extension 521 to register for the meeting.  Contractors must also submit a completed CADA’s Contractor Application if they do not have a current application on file with CADA.  A minimum of three references is required.  Minority and female owned businesses/contractors are encouraged to attend and submit bids. 

For additional information contact: Roy Worrells: This email address is being protected from spambots. You need JavaScript enabled to view it., Melvin Powers: This email address is being protected from spambots. You need JavaScript enabled to view it., Matt Duncan: This email address is being protected from spambots. You need JavaScript enabled to view it.. Telecommunication Device for the Deaf (TDD) 1.800.735.2962.         







The N.C. Foreclosure Prevention Fund™ helps North Carolina homeowners who are struggling to make their mortgage payments due to job loss or temporary financial hardship.

For qualified homeowners, the Fund can provide a 0% interest, non-recourse, deferred-payment, subordinate loan that will be forgiven after 10 years. The loans will assist homeowners in all 100 counties who are unemployed, re-employed or are dealing with a program eligible financial hardship. Loan funds can be used to bring past-due mortgages current and/or pay monthly mortgages and mortgage related expenses while the homeowner seeks or trains for a new job. Eligible homeowners can receive up to $36,000 in assistance.

The Fund provides assistance at no cost to you. We offer the Fund in partnership with the N.C. Housing Finance Agency using funds from the U.S. Treasury. CADA serves the following counties: Bertie, Halifax, Hertford, Hyde, Northampton, Tyrrell and Washington.

For more information or to speak with a counselor you may call: 252-539-3975. Additional information can be found at www.NCForeclosurePrevention.gov or call 1-888-623-8631.

Second Mortgage Refinance Program (SMRP) The N.C. Foreclosure Prevention Fund provides help for employed North Carolina homeowners who are struggling to pay their second mortgage because of previous unemployment, a cut in salary, or a temporary financial hardship. Eligible homeowners can reduce their monthly payments to an amount they can afford by refinancing their second mortgage with an interest-free loan up to $30,000. The fund provides assistance at no cost to the homeowner.

Making Home Affordable

Need Help With Your Mortgage? CADA serves the following counties: Bertie, Halifax, Hertford, Hyde, Northampton, Tyrrell and Washington. For more information or to speak with a counselor you may call: 252-539-3975.

For More information about the Making Home Affordable Program, visit: www.MakingHomeAffordable.gov or call 1-888-995-HOPE (4673).


State Home Foreclosure Prevention Program

The State Home Foreclosure Prevention Program is a partnership with the North Carolina Commissioner of Banks that established a network of housing counselors, legal service providers and other community support providers to assist homeowners with subprime loans in working with their mortgage. The primary aim for CADA housing counselors is to help borrowers contact their servicers to negotiate a "workout" plan that will make it possible for the homeowners to save their home and prevent the dislocation associated with foreclosure, and the servicer and the community will avoid the costs of foreclosure on the property.



Program Goals/Objectives: The housing counseling program provides counseling to consumers on seeking, financing, maintaining, renting, or owning a home. The program also assists homeowners in need of foreclosure assistance. Households are provided group education by purpose (pre-purchase homebuyer education workshops) and receive one-on-one counseling by purpose.

First-time Homebuyer

Homeownership remains the largest and best investment a family can make for the long term, and it supports the national and local goals for an ownership society. Most consider it the “American Dream”. Homeownership is a cornerstone indicator of financial success and stability.

CADA’s purpose is to educate and assist modest income borrowers in the process of purchasing their dream home. In this process, clients are assisted in repairing their credit, educated on available mortgage products, provided a prequalification of their mortgage loan and when eligible, provided down payment assistance.

The homebuyer education curriculum includes the following topics: “Get the Facts” sponsored by Freddie Mac, Bank on It, Check It Out, Pay Yourself First, Keep It Safe, Identify Goals and Overcoming Obstacles, Money Matters, Credit Review, Mortgage Pre-Qualification and Affordability, Fair Housing, Choosing the Right Mortgage Product, Find a Home, The Mortgage Process, The Closing Process, and After the Sale.

The Community Partners Loan Pool

CADA is a part of the Community Partners Loan Pool with the North Carolina Housing Finance Agency. Eligible participants can receive down payment assistance up to ten percent (10%) of the sales price when paired with a USDA Section 502 loan (Direct, Construction-to-Permanent or Mutual Self-Help). These loans are zero percent (0%), deferred, no payment second mortgages that matches the first mortgage term up to 33 years.

The N.C. Foreclosure Prevention Fund

The N.C. Foreclosure Prevention Fund helps North Carolina homeowners who are struggling to pay their mortgage due to job loss or other temporary financial hardship, such as a divorce, serious illness, or the death of a co-borrower, that occurred on or after January 1, 2008. Homeowners will pay no interest, and if they remain in their home for 10 years, their loan will be considered satisfied and they will owe nothing.

Homeowners not eligible for the N.C. Foreclosure Prevention Fund may be provided assistance through their mortgage servicer.


 What is it? Disaster Relief Employment is a program that provides temporary jobs to North Carolinians who have become unemployed – temporarily or permanently – as a result of a natural disaster.  The purpose of the jobs is to assist local recovery efforts through clean up and repair of facilities, and humanitarian assistance in the counties impacted by the disaster such as Bertie, Hertford and Martin County.

There are various types of jobs that will support the mission of Disaster Relief Recovery cleanup. These are not permanent positions or full time positions but will last as long as clean-up is needed in the counties assigned.

Applicants applying for these positions will need to be a U.S. citizen at least 18 years old, unemployed storm related, unemployed no fault of their own or unemployed due to business closure.

Applications are available at Bertie, Hertford and Martin County NCWorks Centers. Questions please contact: Olivia Taylor, (252) 578.2823.

Bertie County NC Works Career Center

A one-stop career center that integrates all career/employment services for both the individual and the employer. Counseling, ESC Referrals, Assessment, Testing and Skills Programs. Call 252-794-3107 or 252-794-3108 for more information.

WIOA Youth Program

This program is designed to serve youth year round with the purpose of providing work experience, educational development and leadership development for disadvantaged youth.  WIOA will serve In School Youth ages 14-21 and Out of School Youth ages 16-24 years old This service is available for youth in Bertie, Hertford, Halifax, Martin and  Northampton Counties. 

WIOA Adult Dislocated Workers Program

CADA's WIOA Adult Workers Program is designed to assist adults and dislocated workers to be placed in a training program with the goal of unsubsidized employment at the completion of primary services.  The WIOA program provides assessment of needs for job seekers, job related services, and on the job training.  The program also provides assistance with tuition, books, fees, supplies and other training related costs for vocational and technical training for eligible individuals.  This service is available in Martin County.